Range Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Retained earnings rose 5.6% in Q2 2026 to $36.1M, the biggest move on this page. Within Michigan, Range Bank is 16th of 43 on CET1 ratio, 15.85% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Range Bank sits 0.77 points higher, at 15.85% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.85% |
| Tier 1 risk-based capital ratio | 15.85% |
| Total risk-based capital ratio | 17.09% |
| Tier 1 leverage ratio | 10.84% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $66.3M |
| Tier 1 capital | $66.3M |
| Total risk-based capital | $71.5M |
| Total equity capital | $65.6M |
| Risk-weighted assets | $418.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.85% |
| Tangible equity to tangible assets | 10.59% |
| Equity capital to average assets | 10.68% |
| Internal capital growth rate | 12.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $900K |
| Common stock surplus | $31.1M |
| Retained earnings | $36.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.42% | 12.42% | 13.67% | 8.19% | $378.4M |
| Q4 2023 | 12.66% | 12.66% | 13.91% | 8.17% | $374.0M |
| Q1 2024 | 13.12% | 13.12% | 14.37% | 8.18% | $366.6M |
| Q2 2024 | 12.34% | 12.34% | 13.59% | 8.30% | $396.6M |
| Q3 2024 | 12.77% | 12.77% | 14.02% | 8.30% | $390.2M |
| Q4 2024 | 13.01% | 13.01% | 14.26% | 8.32% | $389.7M |
| Q1 2025 | 13.12% | 13.12% | 14.37% | 8.95% | $394.4M |
| Q2 2025 | 14.81% | 14.81% | 16.06% | 10.32% | $404.1M |
| Q3 2025 | 14.68% | 14.68% | 15.93% | 9.94% | $416.6M |
| Q4 2025 | 15.09% | 15.09% | 16.34% | 10.13% | $417.7M |
| Q1 2026 | 15.17% | 15.17% | 16.42% | 10.35% | $424.8M |
| Q2 2026 | 15.85% | 15.85% | 17.09% | 10.84% | $418.7M |
Range Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Range Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Range Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5072) · FFIEC NIC profile (RSSD 355559)